The Martino Seestadt Group at Morgan StanleySolving Financial Challenges Through Customized Solutions

225 South Sixth StreetSuite # 5100, Minneapolis, Minnesota 55402

612-340-6702 / MAIN

800-786-6770 / Toll-Free 612-340-1773 / FAX

www.morganstanleyfa.com/themartinoseestadtgroup

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If you’ve accumulated significant assets in your retirement account, stock option program or investment portfolio, the decisions you make today are vital to your ability to retire when and how you’ve always envisioned.

Our goal is to help you transition effectively your hard-earned assets into a thoughtful and strategic plan that gives you — and the people you love — the confidence to enjoy the wealth you’ve created. And because we are based in the heart of the Midwest, we are uniquely positioned to combine the vast resources of a global wealth management firm with the personalized service you’d expect from a small investment boutique.

Money, in and of itself, does not always create the skills to manage it. At The Martino Seestadt Group at Morgan Stanley, our mission is to empower you to be confident in your financial decisions through education and understanding.

THE MARTINO SEESTADT GROUP

Managing Your Wealth, Making a Difference

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At The Martino Seestadt Group at Morgan Stanley, our clients are much more than a portfolio of assets — they are people with complex lives who seek advisors who will provide them with thorough, unbiased and carefully considered guidance on a full range of financial topics. When you work with us, you will be treated with respect, care, confidentiality and an unwavering commitment to you and your family.

We are passionate about finance and helping our clients reach their goals, a commitment that is reflected in the core values that serve as the foundation of our practice:

Our Commitment to You

THE MARTINO SEESTADT GROUP

PERSONALIZED APPROACH

Every relationship begins with an understanding of your specific story: your goals, experiences, values and risk tolerance. We will help you understand better your current situation and create a powerful vision of your financial future to help you stay on track. Outside assets, such as 401(k)s will be incorporated into your customized plan to ensure your collective assets are working together to meet your goals.

OBJECTIVE GUIDANCE

We help simplify your financial life by sorting through scores of financial products and strategies to find the best options with unbiased, objective advice. Every decision we make will be focused on doing the right thing for you.

MULTIGENERATIONAL RELATIONSHIPS

We seek to work with individuals and families as their trusted financial advisor for years, and even generations, helping them tailor customized plans for all of their major milestones. Our hope is for every client to feel proud to recommend our services to friends and family.

A COMMITMENT TO EDUCATION

We believe firmly that financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. We are committed to providing you with ongoing and proactive education on a variety of personal finance topics. All too often, fear drives financial decisions, becoming a major reason why many financial plans fail. We help clients go beyond the noise of the markets to stay focused on their plans, goals and dreams.

SERVICE EXCELLENCE

We provide the personalized service you would expect from a small investment boutique along with the resources of a major global firm. You are treated as an individual, not an account number. Your satisfaction is our priority.

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As financial advisors, our role is to help you develop a strategy that lays out a clear path to your goals, knowing you are making informed, confident decisions in the face of the financial markets’ ups and downs.

Our four-step process provides the context to develop and implement highly customized strategies to help you attain your financial goals.

Our Streamlined Process

STEP ONE: DISCOVER

We will begin with a detailed conversation to obtain an understanding of your personal, professional and financial situation, and learn about your family, interests and aspirations.

STEP TWO: ANALYZE & DEVELOP

From this ongoing dialogue, we will analyze your situation and make recommendations to help you effectively build, preserve and transfer your wealth.

STEP THREE: IMPLEMENT

Here, we will present appropriate investment options that are designed to work together to help grow your portfolio and achieve your financial goals. Upon your approval, we will execute your investment plan.

STEP FOUR: MONITOR & REVIEW

Once we put your plan into action, we will set up tools to ensure you have immediate access to your account information. We will also set up a schedule of calls and meetings to ensure your plan remains on track.

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Michael R. Martino is a First Vice President, Financial Advisor and Senior Portfolio Manager at The Martino Seestadt Group at Morgan Stanley. A wealth management professional for more than 31 years, Michael is committed to providing highly customized advice to f inancially successful individuals and families in Minneapolis, St. Paul and communities throughout the Midwest. He focuses on investment management services for business professionals and retirees, delivering a personalized approach that is underscored by his commitment to outstanding service.

A graduate of Lawrence University in Appleton, Wisconsin, Michael became a member of the Morgan Stanley fam-ily in 1984. He has dedicated his entire financial career to helping his clients build custom investment portfolios and helping them maintain the discipline necessary to navigate today’s changing and challenging markets. He is most proud of the fact that many of the client relationships he has nurtured over the years now span multiple generations.

Michael R. MartinoFirst Vice PresidentFinancial AdvisorSenior Portfolio Manager

Meet the Professionals

Left to right: Michael R. Martino, Robert T. Seestadt

As a First Vice President and Senior Portfolio Manager at Morgan Stanley, Michael is well versed in the equity and fixed income markets. Over the years, he has developed skills in wealth accumulation, tax efficiency, reduced volatility and asset preservation. By advising his clients on how to effectively grow, protect and transition wealth, he has earned the reputation of being a valued advisor. He takes pride in helping them oversee and manage their finances, so they may enjoy the wealth they have created.

A native of Bloomfield, New Jersey, Michael has been calling Minnesota his home for the past 32 years. He resides in Plymouth with Carrie, his wife of 34 years. They have two grown daughters and their son will soon be starting col-lege. In his leisure time, Michael enjoys golfing, travelling and cooking.

Michael.Martino@morganstanley.com612-340-6702

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Michael R. MartinoFirst Vice PresidentFinancial AdvisorSenior Portfolio Manager

Robert T. Seestadt is a First Vice President, Senior Portfolio Manager and Financial Advisor at The Martino Seestadt Group at Morgan Stanley. He is committed to helping his clients achieve their financial goals, whether he’s helping a young family plan for their children’s college education, advising a business professional on stock option financing or assisting a corporate executive transition to retirement. Bob’s mission is to empower his clients to be confident in their financial decisions, so they may attain the financial freedom to pursue their passions and enjoy the wealth they’ve created.

Bob began his successful career in 1979 as a Financial Advisor at Smith Barney (now Morgan Stanley). In 1985, he met Michael Martino, and in 1994, they began working together to provide a wider range of skills and services.

As a First Vice President and Senior Portfolio Manager, Bob manages a number of portfolios within the Group’s Portfolio Management Program, which can be matched to a client’s recommended asset allocation. His approach is based on a

Robert T. Seestadt, CFA®First Vice PresidentFinancial AdvisorSenior Portfolio Manager

core belief that there are unrecognized values among investment choices. Most importantly, he enjoys creating long-term and trusting relationships with his clients to help them simplify their financial lives.

A native of New York City, Bob has been living in Minneapolis with his wife, Kathleen, since 1972. He is a liberal arts graduate of the University of Minnesota and, in 2000, attended value investing classes at Columbia University. In 2012, he earned his Chartered Financial Analyst® designation. When he’s not working with clients or mentoring with the CFA Society of Minnesota, Bob enjoys spending quality time with his family, which includes three daughters and four grandchildren. Favorite leisure activities include sailing, yoga and travel.

Robert.Seestadt@morganstanley.com612-340-6703

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Solutions and Strategies Tailored to Fit Your Needs

With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you achieve your goals by combining our financial insights with the global footprint and extensive resources of Morgan Stanley. Here is a broad overview of the many capabilities we currently offer.

Investment Management Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets. •Asset allocation• Portfolio construction and management•Tax-efficient investing•Alternative investments•Equity compensation plans

Retirement Planning Whether you are building retirement wealth or making the transition to gen-erating income from your assets, we help you develop and implement a strategy based on your vision for retirement.• Lifestyle review• Income strategies• Social security and pension analysis

Protection Strategies We are available to conduct a compre-hensive review of your current insurance policies to help ensure your coverage meets your needs. •Concentrated/restricted stock advice• Portfolio protection strategies• Insurance solutions

Estate Planning We will work with you to understand the connections among your personal life, your family, and your legacy goals, and work with your other trusted advisors to develop a strategy to position your portfolio appropriately. •Wills and living wills•Durable power of attorney• Personal trust services• Family endowments

Access to Lending Services Whether you’re seeking to buy or remodel a home, finance a major acquisition, or expand your business, we offer access to various lending opportunities that can help you create and implement effective financing strategies. •Access to banking and lending services•Mortgage products•Debt restructuring• Securities-based loans

Morgan Stanley: An Industry Leader

Over the past 80 years, Morgan Stanley has earned an exceptional reputation, based on product innovation and strong money management platforms. With our global presence and unmatched capabilities in capital markets and wealth planning resources, we expect to remain a dominant force in wealth management for years to come.

When you work with The Martino Seestadt Group at Morgan Stanley, you’ll receive personalized advice, objective guidance, and dedication to your success as an investor. Our wealth management approach is designed to address key areas of your financial life beyond traditional investments and incorporate comprehensive recommendations for building and protecting your wealth today and in the future.

© 2016 Morgan Stanley Smith Barney LLC. Member SIPC. CRC1399264 CS 8471996 04/16

This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or investments dis-cussed in this material may not be suitable for all investors. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.

Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with re-spect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. Individuals are encouraged to consult their

tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY